 Hello everyone, my name is Jose Delgado. I'm a Corporate Commercial Attorney. A topic we're discussing today is, as an estate agent, how does the Consumer Protection Act affect you? Pretty much it's not a new piece of legislation anymore, but it is intended to govern the rights of consumers where a party is dealing with an individual person or a juristic person that has got assets or turnover under two million rand. As an agent, of course, you are providing services in the form of estate agent advice, drawing up contracts, advising around the properties, market conditions, neighbourhoods, etc. So very often you'll find that as an estate agent, you're in the firing line in the event that there could be a claim by either a seller or generally a purchaser who may be disgruntled. So very often you may think that being the party that's just in the middle of this transaction, you are not liable. Of course, you can indemnify yourself and put certain provisions and conditions in your mandate, or alternatively in the purchase-sale contract, or offered a purchase as it's often called, to try and mitigate any claims that you may be susceptible to or exposed to. Also, very often there's a direct relationship between a seller and a purchaser and you as an estate agent aren't directly involved in that contract as a third party who stands to benefit from commissions, etc. But just be aware of a principle in the Consumer Protection Act. It's called the Supply Chain Management Liability. And in effect, what this gives the consumer is the right to sue anybody in the chain that is provided because of the services. So perhaps the purchaser will sue the seller and you as the agent in the event that something goes awry or they're not happy or there's some form of a claim. So just be sure to either try and indemnify yourself from those type of provisions.